Larecoin Vs CoinPayments Vs NOWPayments: Which Crypto POS System Actually Cuts Your Fees the Most?

Fees. They're the silent profit killer.

Every percentage point you pay to a payment processor? That's money straight out of your pocket. Traditional card networks already take 2-3%. Now you're moving to crypto, but are you actually saving anything?

Let's break it down. Three major players. One clear winner.

The Contenders: A Quick Look

Larecoin , The Web3-native payments ecosystem built for merchants who want control. Self-custody. NFT receipts. LUSD stablecoin with gas-only transfers. Full US compliance with MSB registration and state MTL strategy.

CoinPayments , One of the OGs. Multi-coin support since 2013. Popular with e-commerce stores. Basic processing at competitive rates.

NOWPayments , The newer kid. Clean API. Decent integrations. Popular among crypto-native businesses looking for quick setup.

All three promise lower fees than legacy payment rails. But the devil's in the details.

The Fee Breakdown: Numbers Don't Lie

Let's get specific.

NOWPayments Fees

• 0.5% for mono-currency payments (customer pays in the same crypto you accept)

• 1% for multi-currency payments (conversion required)

• 1.5% - 2.3% if you want fiat settlement

• 0% withdrawal fees

• Volume discounts kick in at 50+ BTC monthly turnover

Not bad. The 0.5% base rate is competitive. But here's the catch: most merchants don't run mono-currency operations. Your customer wants to pay in ETH. You want USDC. Suddenly you're at 1%.

Want actual dollars in your bank? Now we're talking 1.5% minimum.

CoinPayments Fees

• 0.5% base transaction fee

• Additional fees for certain coin conversions

• Withdrawal fees vary by cryptocurrency

• $PayByName feature adds convenience but requires their ecosystem

Similar story. The headline rate looks clean. Real-world usage? Fees stack up fast.

Larecoin Fees: The Game Changer

Here's where it gets interesting.

LUSD transactions = gas-only transfers.

Read that again.

No percentage-based processing fee. No conversion markup. You pay the network gas fee, that's it.

On Solana? We're talking fractions of a cent.

The Math That Matters

Let's run a scenario.

You're processing $50,000/month in crypto payments. Reasonable volume for a growing merchant.

NOWPayments (at 1% multi-currency): $50,000 × 1% = $500/month in fees

CoinPayments (at 0.5% + conversions): $50,000 × ~0.7% average = $350/month in fees

Larecoin (LUSD gas-only): Estimated gas costs = $5-15/month

Annual savings with Larecoin vs. NOWPayments: $5,820+

That's real money. That's a new hire. That's marketing budget. That's yours.

Beyond Fees: Features That Actually Matter

Low fees are great. But what else are you getting?

NFT Receipts: The Tax Hack Nobody's Talking About

Larecoin generates NFT receipts for every transaction.

Why does this matter?

• Immutable proof of purchase on-chain

• Automatic accounting integration potential

• Audit-ready documentation

• Customer can verify authenticity anytime

Your accountant will thank you. Your auditor will be impressed. Traditional receipt systems? Outdated.

NOWPayments and CoinPayments offer standard transaction records. Fine for basic bookkeeping. But NFT receipts take compliance and transparency to another level.

Self-Custody: Your Keys, Your Coins

This is non-negotiable in 2026.

Larecoin: Full self-custody. Funds go directly to your wallet. You control the private keys. Always.

NOWPayments: Custodial by default. They hold funds until you withdraw. You're trusting a third party.

CoinPayments: Same deal. Custodial vault system. Your crypto sits in their infrastructure.

The crypto ethos exists for a reason. "Not your keys, not your coins" isn't just a meme, it's risk management.

When you use Larecoin, receivables hit your wallet instantly. No waiting. No withdrawal requests. No counterparty risk if a processor goes sideways.

LUSD: Stability Without the Volatility Tax

Accepting BTC or ETH directly? Cool: until the market drops 15% before you can convert.

LUSD is Larecoin's stablecoin solution. Dollar-pegged. Stable value. And here's the kicker: gas-only transfers mean moving LUSD costs almost nothing.

Compare that to USDC or USDT conversions on competing platforms. Every hop costs money. Every conversion has spread.

LUSD simplifies your treasury management. Accept it. Hold it. Transfer it. Minimal friction.

Compliance: The Elephant in the Room

Let's talk about something most crypto payment blogs skip.

Regulatory compliance.

NOWPayments operates primarily from Europe. CoinPayments is based in Canada. Both serve US merchants, but the compliance landscape is complicated.

Larecoin's approach:

• MSB Registration (Money Services Business) : Federally registered

• State MTL Strategy : Pursuing Money Transmitter Licenses state by state

• US-first compliance framework

This matters if you're a US-based business. This matters if your customers are American. This matters when regulations tighten: and they will.

Operating with a fully compliant processor means you're not building on shaky ground. When the regulatory hammer drops on non-compliant platforms, you're protected.

Integration & Ecosystem

Quick comparison on what you're plugging into:

Feature	Larecoin	NOWPayments	CoinPayments
Self-Custody	✅ Yes	❌ No	❌ No
NFT Receipts	✅ Yes	❌ No	❌ No
Gas-Only Stablecoin	✅ LUSD	❌ No	❌ No
US MSB Registered	✅ Yes	❌ No	❌ No
Multi-Chain Support	✅ Solana, ETH, BSC	✅ Yes	✅ Yes
Merchant Portal	✅ LarePAY	✅ Basic	✅ Basic
POS Integration	✅ Contactless	✅ Available	✅ Available

The feature set isn't even close.

The Verdict: Stop Leaving Money on the Table

Let's be real.

NOWPayments and CoinPayments are fine. They work. Merchants use them.

But "fine" isn't the bar anymore.

Larecoin delivers:

• Lowest effective fees through LUSD gas-only transfers

• True self-custody for real asset control

• NFT receipts for next-gen accounting

• US regulatory compliance you can trust

• Full Web3 ecosystem including DAO, exchange, swap, bridge, and more

This isn't incremental improvement. This is infrastructure built for where payments are going: not where they've been.

Ready to Cut Your Fees?

The numbers are clear. The features are unmatched. The compliance is solid.

Stop paying percentage points to processors who don't even let you hold your own crypto.

Make the switch.

👉 Explore Larecoin and set up your merchant account today.

👉 Check out the Larecoin Blog for more deep dives on Web3 payments.

👉 Join the community and see what merchants are building in our forum.

Your margins will thank you.